The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$23,639
−HK$1,482/mo
▼ 0.25% · 3.875%
HK$24,374
−HK$747/mo
Today · 4.125%
HK$25,121
baseline
▲ 0.50% · 4.625%
HK$26,650
+HK$1,529/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$50,242/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,298
−HK$1,421/mo
▼ 0.25% · 3.875%
HK$27,003
−HK$716/mo
Today · 4.125%
HK$27,719
baseline
▲ 0.50% · 4.625%
HK$29,180
+HK$1,461/mo
Deposit HK$5.18M · loan HK$5.18M · min. income ≈ HK$55,438/mo (50% DSR)
Upfront cash ≈ HK$5.57M (deposit + AVD stamp duty HK$388,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,366
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$29,249
−HK$896/mo
Today · 4.125%
HK$30,145
baseline
▲ 0.50% · 4.625%
HK$31,980
+HK$1,835/mo
Deposit HK$4.15M · loan HK$6.22M · min. income ≈ HK$60,290/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$388,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,557
−HK$1,705/mo
▼ 0.25% · 3.875%
HK$32,404
−HK$858/mo
Today · 4.125%
HK$33,262
baseline
▲ 0.50% · 4.625%
HK$35,016
+HK$1,754/mo
Deposit HK$4.15M · loan HK$6.22M · min. income ≈ HK$66,524/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$388,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,094
−HK$2,075/mo
▼ 0.25% · 3.875%
HK$34,124
−HK$1,045/mo
Today · 4.125%
HK$35,169
baseline
▲ 0.50% · 4.625%
HK$37,309
+HK$2,140/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$70,338/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,817
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$37,804
−HK$1,002/mo
Today · 4.125%
HK$38,806
baseline
▲ 0.50% · 4.625%
HK$40,852
+HK$2,046/mo
Deposit HK$3.11M · loan HK$7.26M · min. income ≈ HK$77,612/mo (50% DSR)
Upfront cash ≈ HK$3.50M (deposit + AVD stamp duty HK$388,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,550
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$43,873
−HK$1,345/mo
Today · 4.125%
HK$45,218
baseline
▲ 0.50% · 4.625%
HK$47,969
+HK$2,751/mo
Deposit HK$1.04M · loan HK$9.33M · min. income ≈ HK$90,436/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$388,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,336
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$48,606
−HK$1,287/mo
Today · 4.125%
HK$49,893
baseline
▲ 0.50% · 4.625%
HK$52,523
+HK$2,630/mo
Deposit HK$1.04M · loan HK$9.33M · min. income ≈ HK$99,786/mo (50% DSR)
Upfront cash ≈ HK$1.43M (deposit + AVD stamp duty HK$388,751 · Scale 2, in force from 26 Feb 2026)